• Enter your current username and password
• Agree to the disclosure
• Verify your identity
• Received a temporary passcode
• Create a new password – You can reuse your existing password

User Name

• Minimum Length – 8
• Maximum Length – 20
• Allow Alphabetic Characters
• Allow Numeric Characters
• Allow Special Characters ‘$’

 

Password

• Minimum Length – 9
• Must Include a Number
• Must Include an Uppercase Letter
• Must Include Lowercase Letter
• Must include a non-alphanumeric

 

Through registration, users can: create a login into the system, gain access to bank accounts, and grant access to others. User registration can be accomplished from any interface: Desktop, Mobile Web, and Mobile Application. After successful registration, the User can access their accounts from all three interfaces.

 

• Create a new password

• Agree to the disclosure

• Receive temporary passcode 

• Validate personal information

 

Note: IE 11 does not support technologies and standards implemented in newer browsers.

• Google Chrome: Latest 2 versions

• Firefox: Latest 2 versions

• Microsoft Edge: Latest 2 versions

• Safari: Last 2 major versions

• iOS: Last 2 major versions

• Android: v7.0 and above

 

Windows: Versions that are still supported by Microsoft and support a browser listed here

• OS X: Versions that are still supported by Apple and support a browser listed here

• Android: v7.0 and above

• iOS: Last 2 major releases

 

We are committed to service and being your preferred financial partner for life. But life moves quickly, and technology advances. Our responsibility is to stay current with technological changes for your benefit and security.

 

The most popular features and services you are familiar with, like checking balances, mobile deposits, and internal transfers, will remain available and be improved. Our new digital banking upgrade will also provide a new streamlined Bill Pay and external transfer service in addition to some of these improvements:

• Integrated Experience: a single, integrated online and mobile experience with more features available on both platforms. Plus, if you previously shared a User ID, now joint owners can create individual profiles.
• Design: a clean and modern look and feel with improved navigation, easy-to-access menus, and a more intuitive and seamless integration across desktop, tablet, and mobile banking.
• Access: A new customizable dashboard lets you view all your accounts, upcoming payments, transfers, and quick access to Bill Pay and transfer widgets.
• Financial Management: Expanded personal financial management tools to help you set budgets, create spending categories, and view your accounts at other financial institutions.
• Convenience: Debit and credit card controls will allow you to block your credit or debit cards if you suspect fraud.
• Security: the latest security features to confirm your identity with the use of a one-time passcode help to keep your accounts and financial transactions safe and secure.

We are currently working on the upgrade and expect to launch the week of April 10th 2023. Please note: existing users will receive a One Time Passcode to log in for the first time. Ensure your contact information is up-to-date so you don't miss a thing.

Soon, we will release a detailed chart of tips and blackout dates.

• Make a note of what transfers, bill payments, and eBills you currently have set up so you can ensure they all transfer correctly or re-set up the ones that need to be reconnected. Don't enroll any new eBills, as those will not convert.
  
• Get familiar with our important dates, as these impact your ability to update your account and make one-time transfers and bill payments.

After the upgrade becomes available:

• Android users must delete the old app and download the new version of our mobile banking app.
• Apple users will need to update their current mobile banking app.
  

To find this information, check your statement in online banking under Statements or on the printed copy of your statement. The name listed first is the primary account owner. Joint owners will now be able to create their own username and password. 

 

If you have previously shared a username and password with a primary owner, you will now get to register with your own username and password. You will need the following to be able to do this online or on the mobile app: member number, SSN/TIN, birthdate, email, and zip code. 

 

Bill Pay will have an improved user interface for online and mobile banking. You will now be able to add and manage payees from the mobile app. Your current payees and any recurring Bill Pays will transfer over. IMPORTANT: As we get closer to our launch in April, there will be important dates when Bill Pay is unavailable temporarily. You will have to need to schedule any payment before these dates. 

 

 

• Internal Transfers – any recurring transfers you have set up will transfer over to the new platform. 

• External Transfers – your external bank-to-bank transfers and external account information will transfer over. However, as we get closer to our launch in April, there will be important dates when access to External Transfer will be unavailable for a temporary period. You will need to schedule any transfers prior to these dates. Make sure your information is up-to-date so you don't miss these important communications.

• Member-to-Member – will need to be re-established 

 

To set up a transfer to another MSDFCU member, you will need the following info:

• Member's last name

• Their member number 

Click the Transfer & Pay>Transfers> More Actions>Add Account > Send money to another MSDFCU member.

After entering the member info for the destination account, you may save the account for later by clicking >Save 

You can add an account at another bank or credit union to your transfer list by going to Transfer & Pay >Transfers>More Actions> Add Account>External account.

Transfer & Pay and click "Add an external account." A pop-up will ask you for the account and routing number and will also require a nickname to label the account in your transfer list. After the account is added, it will need to be verified. 

Once the account is added and verified, you will be able to both withdraw from an MSDFCU account and deposit to the external account and deposit from the external account into your MSDFCU account. 

FICO scores are a three-digit number based on information in your credit reports. A summary of your credit scores from the three major credit bureaus is a new feature in online and mobile banking. If you have an MSDFCU loan, your FICO scores will be updated constantly.

Yes, you can add or change nicknames but if there are two owners on the account that both have access, one member could change it and the second person could go in and change it again.

No alerts will not be converted we reconded you set up new alerts in the new system.

The transfer must be submitted by 1:00PM EST to be processed the same business day. Any time after 1:00PM EST it will be next business day.

Transfers made at or before 4:00PM EST will go out same day. After 4:00PM EST the date will move to the next day.

Scheduled reoccurring transfers to your MSDFCU credit card(s) need to be rescheduled after the upgrade.

While we made every effort to ensure your information transferred to the enhanced Bill Pay service seamlessly, we recommend you verify your payee information (name, address, and account number) and that your scheduled bill payments are accurate in the new service.

eBill enrollments were unable to be transferred to the enhanced Bill Pay service. If you previously had eBills set up for any of your payees, please re-enroll them for eBills in the new service.

 

To ensure a fast and easy enrollment process, we recommend taking the following prior to re-enrolling your eBills:

• Know the username and password you use to access each biller’s website. If you forgot your login information, visit the biller’s website to reset your password.
• Be sure to know your account number and payment address for each biller. This information can be obtained from a most recent statement or eBill or through the biller’s website.
• Some billers may require a one-time code or challenge question to complete the Setup. Visit the biller’s website to verify your email address and mobile number are current in their system and update your challenge question answer(s), if necessary.
• Historical eBills will not convert to the new Bill Pay service. You may download past eBills from Bill Pay before the upgrade or access them directly from the biller’s site.
• As each biller has a different billing cycle, some eBills may not be available until your next statement cycles after the upgrade.
• Automatic payments scheduled to occur after April 10 will not be automatically sent to your billers. If you currently have automatic payments set for your eBills, you can re-establish automatic payments once you enroll the biller for eBills.

We hope you find these tips helpful and hope you will find our enhanced Bill Pay service will make managing your payments easier than ever.

Your existing payees, scheduled payments (including recurring payments), and some history will be available in the new Bill Pay service. While we made every effort to ensure your information transferred to the new Bill Pay service seamlessly, we recommend you verify your payee information (name, address, and account number) and that your scheduled bill payments are accurate in the new service.

 

For security reasons, we cannot transfer eBill enrollments to the new Bill Pay service. If you previously had eBills, please re-enroll them for eBills in the new service for immediate access to your eBills.

 

To ensure a fast and easy enrollment process, we recommend taking the following steps prior to enrolling your eBills:

● Know the username and password you use to access each biller’s website. If you forgot your login information, visit the biller’s website to reset your password.

● Be sure to know your account number and the payment address for each biller. This information can be obtained from a most recent statement or eBill or the biller’s website.

● Some billers may require a one-time code or challenge question to complete the Setup. Visit the biller’s website to verify your email address and mobile number are current in their system and update your challenge question answer(s), if necessary.

● As each biller has a different billing cycle, some eBills may not be available until your next statement cycle.

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Your payment scheduling experience will change in the enhanced Bill Pay service, giving you a better understanding of when your payments will be sent and when your payees should expect to receive payments.

When scheduling payments, you will be presented with two dates: 

• Earliest Delivery Date, the date you wish for the payment to be sent.
• Estimated Delivery Date, the date your payee is expected to receive the payment. The Estimated Delivery Date displayed is dependent upon the Earliest Delivery Date you select and the method by which the payee receives payments, by check or electronically.

To assist you with identifying how each of your payees receives payment, payees will display either an envelope icon for check payments or an electrical plug icon for electronic payments.

• Electronic Payments -  will be deducted from your account on the SEND DATE. Funds must be available on the Send Date for the payment to be sent.
• Check Payments - will be mailed to your payee on the Earliest Delivery Date, and the payment will be deducted from your account when the payee cashes or deposits the check.

This is a reminder to verify their payee information. You can expand and collapse the messaging. After 30 days, the message will no longer display.

 

For security reasons, we are unable to transfer eBill enrollments to the new Bill Pay service. As a result, automatic payments scheduled to occur after April 10 will not be automatically sent.

To take advantage of this feature in the new system, simply re-enroll for eBills. Once your enrollment is complete, you will have immediate access to your eBills and can re-establish automatic payments with them.

You can pay almost any company or individual in the U.S. You can pay a U.S.-based company with an address or person via a text or email, even if your biller isn't set up for online payments.

You can also:

• Set up automatic payments for recurring bills — like rent or your cable bill.
• Make one-time payments for bills that differ each month — like a phone or utility bill.

Electronic bills (eBills) are online versions of paper bills you receive, view, and pay through Bill Pay. The eBill arrives into your Bill Pay account much like a paper bill would arrive in your physical mailbox, although the format may differ. You can print eBills for your records and set reminders for yourself to pay the eBill when payment is due or set up automatic payments. IMPORTANT: Following the launch, you will need to re-set up eBills. You will automatically be unsubscribed by your vendor and will begin receiving paper statements. Tip: if you un-enroll about 30 days in advance, you will receive a paper statement in plenty of time to have all the info you need on hand to re-subscribe right away.

Any payment setup at or before 4:00PM EST will go out the same day, after 4:00PM EST the date will move to the next day.

Processing is Monday through Friday (non-Fed Holidays). If a member has a recurring series that happens to fall on a Saturday, we will schedule the payment to be sent on the Friday before. If the recurring series happens to fall on a Sunday, we will schedule the payment to be sent on the following Monday. Our platform doesn’t allow for Bill Payments to be scheduled on the weekend or holidays, however depending on the recurrence (weekly, bi-weekly, monthly, etc.) sometimes the recurrences will fall on these days so our system will make the adjustments on behalf of the customer.

If you chose 'Save this program to disk' when you downloaded Adobe Acrobat Reader, the program might not be installed correctly. When you download Adobe Acrobat Reader again, make sure you choose the 'Open\Run the program from its current location' option instead of the 'Save this program to disk' option.

 

Going forward, we will maintain notices online for 60 days.

 

A notice is simply an announcement or information of something pending. Let's say you have a Certificate Account with MSDFCU, and prior to maturity, we will send you a Certificate Maturity Notice making you aware that your Certificate Account is maturing and asking if you want to renew. As an eDocument subscriber, notices are presented to you electronically rather than through the mail.

 

Go to the top menu and select 'Documents'. The document list will then be displayed. We maintain up to 25 months  of statement history for you.

Yes. You will have the option to receive an email to notify you when your statement and notice(s) are ready to view online. Statements are usually available on the first of the month, and Notices are available throughout the month.

 

Your electronic statement will have the information and look of a printed statement.

 

Simply open the statement. Then go to "File" and "Save a Copy" on the main navigation menu or click on the disk icon on your toolbar.

 

We do not offer check images in our statements. Please review your online history to view check images.

 

To send a secure message while logged into online banking, go to the top right side of the screen in the blue bar and click on the white envelope icon located next to your profile symbol.

If you require further assistance, please contact a Member Service Representative.

Email: info@msdfcu.org  Phone: (215) 996-3700  Visit: Locations and Hours

 

 

Yes, as long as each account is enrolled in eDocuments. For example, if your child has an account with MSDFCU and you, as the custodian, want to receive an email notification once the statement is available. You can use the same email address for both accounts.

 

Yes, to make the switch to paper statements contact us.
Email: info@msdfcu.org  Phone: (215) 996-3700  Visit: Hours and Locations

 

 

First, you need to make sure you have Adobe Acrobat Reader installed on your computer (it's not a standard application on the Mac). Here's how to tell if you don't have Adobe Reader installed; a) By default, when trying to open a statement in Safari or Firefox, depending on the version, it will usually open in a program called Preview or b) When you try to "Save as", the extension will come up as .asp and not PDF. 

 

If you have multiple accounts (e.g., custodial account, etc.) with MSDFCU, you will receive only 1 notification per email address and cell phone number. This is done so you won't get bombarded with notification messages, and our emails won't come across as SPAM. However, you will receive a notification per notice regardless of whether you are using the same email address for different accounts. For example, if you have a CD Maturity and a CD Renewal notice in the same day, you will receive 2 different emails.

 

You will have to update your preferences, go to "Safari/Preferences" or "Firefox/Preferences" and select "applications." Scroll down to "Portable Document Format." Then, under "action," select "use other" and select Adobe Acrobat Reader.

 

To update your information while logged into online banking, go to the top menu, navigate to "Tools" next select "Settings" and then click on "Contact".

For more information, you can contact us. Email: info@msdfcu.org  Phone: (215) 996-3700  Visit: Hours and Locations

That depends on your device:

• Android users will need to delete the old app and download a new version from the Google Play Store
• Apple users will only need to update their application

 

Most all the functionality of the online platform is available on the mobile platform, with just a few minor exceptions.

 

For Android users, yes. For Apple users, the previous application will be updated with the new application.

 

No, only the check amount will be listed. You will only see images of ON US checks you have written from the account once they have cleared. This can vary depending on the Remote Deposit Capture provider.

 

Multi Pay for Bill Pay is available on desktop only.

 

Select Deposit Checks, the account you wish to deposit to, enter the amount of your check, and Sign the back of your check. If available, check the box that reads: “Check here if mobile deposit.” You will then be prompted to take a photo of the front and back of your endorsed check with your mobile device. Be sure to capture a clear picture with all 4 corners of the check on your mobile device’s camera screen. Then submit your deposit.  After your deposit is submitted, you will receive a confirmation message on your mobile device along with an email confirmation.

 

Usually within 10 minutes unless a hold is applied. Common reasons a hold is applied include large deposit amounts, third-party checks, deposited checks returned unpaid, etc. 

When the funds are available, you will be able to see the amount in the available balance of the account you selected when you submitted the mobile deposit. 

 

 

By viewing your account transaction history and clicking on the filter button, and selecting “Check Deposited Remotely.” 

 

All of our debit and credit cards are eligible for this feature. 

 

Within minutes, you'll see the card appear locked. Locking your card will prevent new transactions while still allowing recurring transactions, pre-authorized payments, and refunds to post to your account.

 

Once your card is unlocked, you may resume transactions and payments.

 

No, please dispute the transaction in Online Banking or contact us, and then we will block the card and send you a new card. We recommend you lock your card for temporary misplacement. If you suspect fraudulent charges or you're certain you've lost your card, please contact us.

 

No, the card will show up in the mobile wallet, but authorizations will be declined.

 

Once you register your card and select your notification preference, all card transaction alerts will be sent to you in real-time.